- Centurion Member
- Posts: 538
- Joined: Fri Mar 09, 2012 9:29 am
- Location: San Francisco, CA
Remember FICO scores are blind to the banks issuing them. You are on the right track though. Having 2-3 credit cards will really help you in the future. My personal recommendation though is to look at some more credit unions or other institution that aren't "prime" lenders (ie lenders looking for high FICO scores only). Do not apply unless you feel you have a VERY good chance to get accepted. Your wasted hard inquiries are harming your credit to no effect.
If you can get me a current FICO or FAKO, that would be helpful. Your short term goal should be to get 1 or 2 cards that have no annual fee to help build up your credit. Maybe a credit card and store card. If you get Walmart, you have access to their free TU08 score.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k